| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS NETWORK INC. (WEXFORD,PA)3 Filed as: BENEFITS NETWORK, INC. | 115 VIP DRIVE, SUITE 300 WEXFORD, PA 15090 | UPMC HEALTH OPTIONS | $28K | $0 | $28K | 3.52% |
| BENEFITS NETWORK INC. (WEXFORD,PA)3 Filed as: BENEFITS NETWORK, INC. | 115 VIP DRIVE, SUITE 300 WEXFORD, PA 15090 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $380 | $0 | $380 | 0.86% |
| BENEFITS NETWORK INC. (WEXFORD,PA)3 Filed as: BENEFITS NETWORK, INC. | 115 VIP DRIVE, SUITE 300 WEXFORD, PA 15090 | UPMC HEALTH BENEFITS | $4K | $0 | $4K | 9.47% |
| BRITTANY FINGER3 | 7546 STATE ROUTE 30 IRWIN, PA 15642 | AFLAC | $4K | $0 | $4K | 10.47% |
| ROBERT J ELBIN JR3 Filed as: ROBERT J. ELBIN JR. | 430 FORBES ROAD BEDFORD, PA 15522 | AFLAC | $3K | $59 | $3K | 7.56% |
| MJ INSURANCE3 Filed as: LYNN MARIE DIEHL AND VARIOUS AGENTS | 106 SOUTH PHANEY STREET EBENSBURG, PA 15931 | AFLAC | $2K | $22 | $2K | 4.39% |
| MICHAEL H FLEMING3 Filed as: MICHAEL H. FLEMING | 7546 STATE ROUTE 30, 3RD FLOOR IRWIN, PA 15642 | AFLAC | $1K | $41 | $1K | 3.55% |
| KELSEY L. KOONTZ3 | 628 YOUNTS ROAD BEDFORD, PA 15522 | AFLAC | $1K | $129 | $1K | 3.24% |
| MAVERICK BEECH3 | 169 WEST HILLS DRIVE GREENSBURG, PA 15601 | AFLAC | $887 | $0 | $887 | 2.28% |
| KEVIN MARK GRASSMYER3 | 401 NORTH 15TH AVENUE ALTOONA, PA 16601 | AFLAC | $329 | $0 | $329 | 0.85% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 118 | $846K |
| Dental | UPMC HEALTH OPTIONS | 98 | $806K |
| Vision(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 118 | $846K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 139 | $44K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 139 | $44K |
| Prescription drug(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 118 | $846K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 139 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.